Thursday 10 September 2015

Pk girl with american boy at MBA University

The pledged funds are to be added to the school's endowment (the size of which is expected to double as a result) with two-thirds of the C$50m to go towards funding faculty chairs or professorships and the remaining third allocated for scholarships. Scholarship provisions have initially been earmarked for MBA students. Indeed, dean of the newly-known Smith School of Business, David Saunders, told the FT that competition for the brightest students necessitates making more MBA scholarships available. The Smith School of Business' benefactor, Stephen Smith, is a Queen's University graduate in electrical engineering and holds a master's from the UK's LSE. He said his subsequent career path lay behind his decision to contribute to the business school rather than another part of the university: “I see myself as a Queen’s University graduate. While I studied engineering and economics at Queen’s, I have always had a keen interest in business, and most of my career was spent in the finance and insurance industries." Smith is the chairman, president and cofounder of First National Financial Corporation - held to be Canada’s largest non-bank lender of residential and commercial mortgages. A philanthropic relationship with his alma mater dates back to the 1990s and Smith has since helped to establish bursaries for students in economics and engineering as well as for a chair in economic policy. “I just look forward to making this a transformational gift that is good for Queen’s University and good for the Smith School of Business to make it the leading business school and to enhance its position as the leading business school in the country,” Smith said in the Globe and Mail.

Monday 7 September 2015

Students Loans

LITTLE ROCK, Ark.—Arkansas Baptist College got a dire warning from the Education Department last year. So many students had defaulted on their loans that the college was at risk of losing access to federal aid. That threat is one of the biggest weapons the agency has to police the performance of colleges and universities. But the warning to Arkansas Baptist also came with an offer of help, says Yvette Wimberly, a dean at the college.
For the next six months, the Education Department told the college how to look for errors in its student-loan data. Arkansas Baptist identified at least three students who were murdered after they left the college. Fixing that and other data problems cut the default rate enough to save Arkansas Baptist. Critics say the Education Department’s willingness to help colleges clean up their numbers shows how reluctant it is to shut down the worst-performing colleges. Keeping troubled colleges alive is more controversial than ever, since federal student-loan debt has doubled to $1.2 trillion since 2007. “They can help a school fix their default rate, but do they actually help fix their students’ economic well-being?” says Nick Hillman, an assistant education professor at the University of Wisconsin in Madison who has studied student-loan default rates. “That’s what it should be all about.” Related Should Anyone Be Eligible for Student Loans?(Dec. 6, 2015) U.S. Student-Loan Forgiveness Program Proves Costly (Nov. 20, 2015) Debt Relief for Students Snarls Market for Their Loans (Sept. 23, 2015) Student Loans Could Use Some Market Discipline (Sept. 18, 2015) Grad-School Loan Binge Fans Debt Worries(Aug. 18, 2015) Who’s Most Likely to Default on Student Loans? (Feb. 19, 2015) Government officials say they do everything in their power to hold colleges accountable. Ted Mitchell, undersecretary at the Education Department, says the agency also wants to make sure that a college’s student-loan data are correct before punishing it. “For this to be a fair process, these sanctions must be based on accurate information,” he says. Under a process created by Congress, colleges can lose federal aid if their default rate hits 30% for three years in a row—or exceeds 40% in a single year. In most cases, a student loan is in default if the borrower has gone more than 360 days without making a payment. Borrowers are allowed to delay payments under some circumstances, such as illness or unemployment, though the interest owed on their loans keeps accumulating. Since October 2001, just 17 educational institutions—all of them trade schools—out of a total of about 6,000 failed to meet loan-default requirements and then were banned from getting federal aid, the Education Department says. At 108 four-year colleges, at least half of all students hadn’t paid even $1 of what they owe within three years of leaving college, according to an analysis by The Wall Street Journal of the latest government data. Those colleges got more than $10 billion in federal student loans and grants last year. Some help With help from the Education Department, Arkansas Baptist reduced its three most recent yearly default rates below 30%. Last year’s 26% default rate still ranked in the highest 1% of the 1,615 colleges in the Journal’s analysis. Arkansas Baptist’s nonpayment rate on student loans was 88%, the highest of any four-year college in the U.S. More than four out of every five students drop out. Fitz Hill, president of the historically black private college, says the numbers look bad mostly because Arkansas Baptist enrolls poor students.

Sunday 6 September 2015

defence residency

NEW DELHI: The United States (US) has handed over 14 combat aircraft, 59 military trainer jets and 374 armoured personnel carriers to Pakistan which were earlier used in Afghanistan and Iran. As the US withdraws its forces from neighbouring Afghanistan, the major defence articles have been transferred to Pakistan under its ‘Excessive Defence Article’ category, an internal Congressional report says, according to the Economic Times. In the past, India has opposed the transfer of such arms to Pakistan as it believes Islamabad would eventually use the fighter jets against it.Pakistan has either made full payment or will make payments from its national funds towards the purchase of 18 new F-16C/D Block 52 Fighting Falcons combat aircraft worth $1.43 billion, according to the internal report prepared by the Congressional Research Service (CRS), an independent research wing of the Congress. This includes F-16 armaments including 500 AMRAAM air-to-air missiles, 1,450 2,000-pound bombs, 500 JDAMTail Kits for gravity bombs and 1,600 Enhanced Pave way laser-guided kits. These have cost Pakistan $629 million. Pakistan has also paid $298 million for 100 harpoon anti-ship missiles, 500 sidewinder air-to-air missiles ($ 95 million) and seven Phalanx Close-In Weapons System naval guns ($80 million). Pakistan received 26 Bell 412EP utility helicopters along with related parts and maintenance, valued at $235 million under the Coalition Support.Pakistan is also receiving military equipment with a mix of its national funds and America’s foreign military funding. These include 60 Mid-Life Update kits for F-16A/B combat aircraft.Pakistan has purchased 45 such kits, with all upgrades completed to date. This includes 115 M-109 self-propelled howitzers. Under Frontier Corps and Pakistan Counterinsurgency Fund authorities, the US has provided four Mi-17 multi-role helicopters (another six were provided temporarily at no cost), four King Air 350 surveillance aircraft, and 450 vehicles. In place of yesterday's analogue voice and messaging are today's digital video, voice and data capabilities. Line-of-sight communications are now augmented with satellite and broadband communications capabilities that keep soldiers connected to HQ even in the last tactical mile. Every asset is continuously feeding into the network, pumping in images, video, health and usage data, location and mapping information, intelligence, surveillance, reconnaissance and target acquisition information, creating a situational awareness picture more complete than ever before. The challenge The difficulty with this increasingly digitised battlefield is the need to render the enormous amounts of data in the network manageable and accessible. Command and control (C2) solutions must be able to process raw data into intelligence that informs, rather than overwhelms, the user. Users are seeking C2 solutions that organise data in innovative ways and take the analytics burden off the operator to ensure that data does not lose meaning or context when disseminated throughout the battlespace. "In the current operating environment data that comes into a tactical operating command operations centre is all provided by disparate systems," said Gary Raven of Textron Systems Advanced Information Solutions. "So for a clear picture of the battlespace commanders and operators have to look at the information in all these silo systems - all displayed on different displays - and actually try to bring all that information together in one place in their head. This need to cognitively combine that data to get a clear picture of what is going on in the operation slows down the decision making cycle." Potential solutions Textron Systems Advanced Information Solutions' iCommand cloud-based information management capability is one of a number of new systems emerging from the industry that are designed to tackle these key issues. iCommand provides a full picture of the battlespace in a map-centric view - both in real time and replay for post-mission analysis, connecting users with an organisation's platforms, sensors and data feeds to create a fully interactive and collaborative environment for managing intelligence. All information is brought together in a single display and is interactive, editable and collaborative within an individual operating centre or across multiple sites, giving users a single view of the battlespace. At the other end of the scale – the business-as-usual border management at airports and shipping ports for the general public – effective border management can be enhanced by data capture, analysis and dissemination, which must be balanced with, ultimately, a good passenger experience. New biometric, automated and integrated technologies are revolutionising security and efficiency at borders but more can and must be done to continue improving services and ward off future challenges resulting from the pressures of increased migration. The Smarter Borders conference took place in London, UK in March earlier this year but given the rapidly evolving technologies and changeable market structure it has become apparent that there is a compelling requirement from policymakers, end users and industry to host the conference again this year. So what’s changed in the last few months and what are the critical challenges facing border agencies and governments that need addressing? 1. Fight or Flight The flow of Western brothers, sisters and even whole families to Syria and Iraq, often via Turkey, is becoming an increasingly grave issue and frequent occurrence. More and more British-born residents – as well as French, Belgian and other European nationals – are fleeing to fight for ISIL and other related terrorist cells in the Middle East. Furthermore, and of arguably greater concern in the mid- to long-term, is when extremists cross the border without the authorities knowing in order to receive terrorist training and then returning to their homes in the West. Identifying and closely monitoring these individuals is one of the more significant challenges for border agencies. Recognising those that are thought to be a high-risk before they reach the departure lounge is possible, but difficult. Monitoring them in Europe is conceivable, but requires high levels of inter-agency cooperation. The process of stopping them crossing the Syrian border should be more efficient. This will require a comprehensive multi-national programme and significant investment from governments in the region. The European Agency for Large-Scale IT Systems (eu-LISA) programme is one example of the work being done in this area. The programme will deliver a pilot analysing technical options for the proposed entry-exit system and registered traveller programme in 2015. In November, Krum Garkov, Executive Director for eu-LISA, will set out the challenges to the pilot going forward and what more needs to be done in order to achieve the implementation of the ‘Smarter Borders’ initiative Europe-wide. Other projects in Europe include Finland’s use of ABC systems to process Russian citizens at Helskini port; Germany’s ABC processing of third country nationals; and the Happy Flow project in Aruba by the Netherlands, which is looking at a new means of facilitating secure travel in the future. The UK’s BSP project failed but it is expected that out of this a new, fully-funded programme will emerge later this year, possibly following the strategic security review by the UK MoD and other government departments in the next SDSR. 2. Chunnel Trouble In July a record number of migrants attempted to break into the tunnel terminal and illegally enter the UK. Foreign Secretary Philip Hammond chaired emergency Cobra committee meetings following the reports. At the time the British government announced an extra £7 million of funding for measures to improve security at Calais and the entrance to the Channel Tunnel, including the addition of another 100 border security guards. French worker strikes have compounded the problem, toping off a summer of bad PR for Eurotunnel culminating in a picture of a wall of burning tyres hitting the front pages. Aside from the wider security implications of this crisis, on of the key concerns for Eurotunnel is ensuring the crossing continues to operate as efficiently as possible and to keep providing a good passenger experience. Security is always the first and main objective of any border agency so investment in the latest surveillance technologies and border control checks and systems is necessary in order to keep an enormous operation such as Eurotunnel running smoothly. Eurotunnel announced that it expects to increase flow by 30% over the next five years. 3. Med Alert Moreover, the migrant crisis in the Mediterranean continues to spiral out of control as the political situation in Africa and the Middle East further deteriorates. A number of rescue missions and operations have deployed in recent months to attempt to ease the flow and save the lives of thousands of migrants attempting to cross the Med. Some public investment has gone towards efforts but many privately funded operations, such as MOAS – the Migrant Offshore Aid Station, have committed to saving lives at sea. Between May and October 2015, MOAS intended to position its 40 metre (130 feet) ‘Phoenix’ vessel in major migrant shipping lanes. Using Remote Piloted Aircraft with sonar, thermal, and night imaging the crew are monitoring the area to locate migrant vessels in distress. But a more permanent, secure and agile solution must be found. The mass migration attempts across the Med are not expected to ebb any time soon.

Thursday 3 September 2015

Online Marketing

Digital marketing is an umbrella term for the targeted, measurable, and interactive marketing of products or services using digital technologies to reach and convert leads into customers.The key objective is to promote brands, build preference and increase sales through various digital marketing techniques. It is embodied by an extensive selection of service, product and brand marketing tactics, which mainly use the Internet as a core promotional medium, in addition to mobile and traditional TV and radio.[1] Digital marketing concepts and practice are evolving tremendously among several industries, especially by the leading companies among each industry utilizing the mass reach of digital tools and social media platforms, benefiting from the possibility to create individually tailored approach that can achieved at a very productive cost Digital marketing activities are search engine optimization (SEO), search engine marketing (SEM) , content marketing, influencer marketing, content automation, campaign marketing, and e-commerce marketing, social media marketing, e-mail direct marketing, display advertising, e–books, optical disks and games, and any other form of digital media. It also extends to non-Internet channels that provide digital media, such as mobile phones (SMS and MMS), callback and on-hold mobile ring tones.[2] According to the Digital Marketing Institute, Digital Marketing is the use of digital channels to promote or market products and services to consumers and businesses The term 'digital marketing' was first used in the 1990s.[3] In the 2000s and the 2010s, digital marketing became more sophisticated as an effective way to create a relationship with the consumer that has depth and relevance.[4] [5] While the term 'digital marketing' may not have been used until the 1990s, digital marketing itself has roots to the mid-1980s when the SoftAd Group, now ChannelNet developed advertising campaigns for several major automobile companies, wherein people would send in reader reply cards found in magazines and receive in return floppy disks that contained multimedia content promoting various cars and offering free test drives. The rapid evolution of digital media has created new opportunities and avenues for advertising and marketing. Fueled by the proliferation of devices to access digital media, this has led to the exponential growth of digital advertising.[6] In 2012 and 2013 statistics showed digital marketing remained a growing field.[7][8] Digital media growth is estimated at 4.5 trillion online ads served annually with digital media spend at 48% growth in 2010. An increasing portion of advertising stems from businesses employing Online Behavioural Advertising (OBA) to tailor advertising for Internet users. Though an innovative resource, OBA raises concern with regards to consumer privacy and data protection. Such implications are important considerations for responsible communications.[9] Digital marketing is often referred to as 'online marketing', 'internet marketing' or 'web marketing'. The term 'digital marketing' has grown in popularity over time, particularly in certain countries. In the USA 'online marketing' is still prevalent, in Italy is referred as 'web marketing' but in the UK and worldwide, 'digital marketing' has become the most common term, especially after the year 2013.[10]